Karen Ho Agency - Nationwide Insurance

When you are right, you fight

Nationwide has decided to setle for 100% of my damages and costs associated with my small claims action. When you are right, you fight

Posted by Chris on June 05, 2007. Brought to you by ripoffreport.

Your best defense

The best way to prevent this is to keep Collision on your policy. If you're a safe driver it is not very expensive, though it still may not be worth it if your car is worth less than $2000 or so. It tends to stop this "comparative negligence" nonsense unless you have the misfortune to have the same insurance company as the other guy. Comparative negligence is a total crock that benefits only...

Posted by Mike on October 29, 2006. Brought to you by ripoffreport.

more info

Nationwide insures the other driver. The vehicle is registered to a business (corporation with a dba) and I have requested business info and registered agent from the secretary of state. My guess is that the owner of the small business is the driver's father.
If my car were worth more, I would have collision on it.
I do think it worth my time to file a small claims action directly...

Posted by Chris on October 29, 2006. Brought to you by ripoffreport.

Read your policy thoroughly Chris

Sit down and read your policy THOROUGHLY Chris.
I haven't been insured by Nationwide in the past, however, MOST auto insurance policies in the U.S. contain a "binding arbitration" clause.
By signing the policy agreement, if it contains this clause, you agree that any disputes with the insurer will be settled in binding arbitration rather than court.
Check it out before you spend money filing...

Posted by Aafes on October 28, 2006. Brought to you by ripoffreport.

RE: Binding Arbitration Clause

The binding arbitration clause is used only for first party disputes (policyholder vs, their own insurance). The best example is when your vehicle is a total loss and the you as the policyholder disagrees with the insurance company offer.
In the situation described by the OP their dispute was against the other drivers insurance company. If the OP collects under their collision coverage their...

Posted by Greg on October 28, 2006. Brought to you by ripoffreport.

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Posted on December 28, 2014. Brought to you by localguides.

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Posted on May 27, 2014. Brought to you by merchantcircle.

Fire, marine, and casualty insurance

Posted on May 06, 2013. Brought to you by hoovers.